Allegius Credit Union

Allegius Credit Union is headquartered in Burns Harbor and is the 26^th largest credit union in the state of Indiana. It is also the 1,053^rd largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 40 employees and 15,207 members. Allegius Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Allegius Credit Union Savings Account Rates

Allegius Credit Union Money Market Rates

Allegius Credit Union CD Rates

Data for Q4 2011

Institution Statistics ALLEGIUS NCUA # 17389 BankRate Report View Year Chartered 1966 Employees 40 Primary Regulator Assets and Liabilities Assets $152.45 million Loans $58.49 million Deposits $137.01 million Equity Capital $14.16 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $974,000 Real Estate Owned $51,000 Historic Data - December 2010 Assets $149.27 million Equity Capital $13.33 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $2.17 million Real Estate Owned $205,000 Profit Margin - Quarterly Net Interest Margin 7.13% Return on Assets 0.23% Return on Equity 2.47% Interest Income $6.62 million Non-Interest Income $1.48 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Allegius Credit Union had $1.02 million in non-current loans and owned real-estate with $15.43 million in equity and loan loss allowances on hand to cover it. This gives Allegius Credit Union a Texas Ratio of 6.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Allegius Credit Union decreased significantly from 16.06% as of December 31, 2010 to 6.64% as of December 31, 2011, resulting in a positive change of 58.66%.This indicates that the balance sheet and financial strength for Allegius Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Allegius Credit Union has increased its total deposits by $1.94 million, resulting in 1.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Allegius Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Allegius Credit Union has $152.45 million in assets with $15.43 million in equity, resulting in a capitalization level of 10.12%, which is above average.

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